Reminder: Review Together

Justin & Nadia — sit down and walk through this dashboard together. Decisions needed on carrier selection, bundle strategy, and the Iowa St deadline (May 09).

Tier 1

Financial Summary & Deadlines

Critical Termination

MAY 09

Iowa St: 68 Days to Lock

Est. Annual Premium

$8,200 - $11,500

Based on SD construction rates

Suncrest Escrow

ACTIVE

Lender Disbursement: $1,100 Est.

Cash Flow Savings

-$1,100

Est. Lump Sum + Bundle Credits

Tier 2

Asset-Specific Options & Escrow Logic

7146 Forum St

SFH | 92111 | Escrow: Optional

Market Range $2,800 - $3,600

Top Admitted Carriers:

Mercury Insurance Best Bundle Price
Safeco (Liberty) Best Technology

3030 Suncrest Dr

Escrow-Managed Unit

Escrow Checklist:

Since DMI pays this, you must:

  • 1. Bind the new policy 30 days early.
  • 2. Send the "Escrow Bill" to DMI immediately.
  • 3. Verify DMI doesn't pay the old carrier by mistake.
Market Range $950 - $1,300

4663 Iowa St

Non-Renewed | May 09

The Travelers Fix: Since the building is fine but the agent is being fired, this is an administrative fix.

Primary Goal:

"Broker of Record" (BOR) Transfer to a new agency with Travelers appointment.

Market Range $850 - $1,200
Tier 3

Comprehensive Vendor Comparison

Vendor Option Est. Annual Payment Pros Cons Contact Details

Lemonade

Condo Specialty

$600 - $900

Per Condo Unit

  • Instant digital bind
  • Very competitive price
  • Strict on claim history
  • No bundle with Forum SFH

App-Only / Chat

lemonade.com

Foremost (by Farmers)

Investor Specialist

$1,100 - $1,600

Per Landlord Unit

  • Will insure almost any risk
  • Reliable SD presence
  • Higher than average cost
  • Not "admitted" in all tiers

800-527-3907

foremost.com

Obie Insurance

Landlord Tech

$900 - $1,400

Per Landlord Unit

  • Built for multi-property
  • Very easy 3rd-party bill
  • Non-admitted (Surcharge)
  • Fewer bundle credits

support@obieinsurance.com

obieinsurance.com

State Farm (Bundle Only)

Portfolio Anchor

$7,500 - $10,500

Full 6-Asset Portfolio

  • The "Gold Standard" in SD
  • Local Agent support
  • Requires the 3 Cars
  • May have 14-day hold

619-281-2222 (SD Branch)

statefarm.com
Broker / Firm Phone / Email Web

H&M Insurance

Travelers Specialists

619-296-0005

claims@hminsurance.net

hminsurance.net

JPL Insurance

Condo Experts

619-220-8013

quotes@jplinsurance.com

jplinsurance.com

Snapp & Assoc.

Large Portfolio Shop

619-908-3100

service@snappins.com

snappins.com
Escrow Data for Dovenmuehle (DMI)

Mortgagee Clause:

DOVENMUEHLE MORTGAGE, INC.
ISAOA / ATIMA
P.O. BOX 961292
FORT WORTH, TX 76161-0292

Critical Suncrest Step:

Once a new policy is chosen, upload the binder to www.myinsuranceinfo.com (DMI's portal). This ensures they disburse payment from escrow to the correct vendor and not the old one.

DMI Support: 800-666-3910 insurance@dovenmuehle.com